|Product Type||Description||Features/Benefits||Features Benefits|
|Automobile / Motorcycle/Boat / RV's||Harford Bank offers fixed competitive rates that vary with the selected terms for new and used automobiles, motorcycles, boats, and RV's.||Harford Bank offers flexible refinancing or purchasing new vehicles||Same day closings with competitive rates are possible|
|Consumer Mortgage||This type of loan is secured by a mortgage in the 1st lien position of an owner-occupied residential property.||Harford Bank offers construction loans. All mortgage loans are serviced at Harford Bank.||As a community bank, Harford Bank is committed to assisting the Harford and Cecil County residents to pursue their dreams of purchasing, building or refinancing a home.|
|Home Equity Lines||This product is a revolving line of credit that is approved and the customer decides when to access the funds.||Easy and convenient
access to meet your immediate and
future financial needs.
For example, refinancing a higher rate mortgage, debt consolidation, educational expenses, and home improvements are just a few ideas on how to reduce your monthly expenses to just one bill.
|Home Equity Loans||Harford Bank's home equity loan is compatible with a borrower's specific need for a fixed payment and term to consolidate debt into one monthly payment.||This loan could be used for a variety of options such as a car purchase, home improvements, or educational expense.|
|Mobile Homes||Harford Bank provides financing for mobile homes located in a park or leased land.||Harford Bank provides flexible terms refinancing or purchasing new or used homes.||
Harford Bank can facilitate quick closings and
offer competitive rates.
|Overdraft Line of Credit||This loan is an unsecured line of credit that is attached to your checking account that pays checks that are written when there is an insufficient balance in your account.||This product meets the needs of a customer that wants immediate access to cash for a specific financial condition.||Avoids costly overdraft charges. Overdraft protection means that we've approved, in advance, a personal, unsecured loan to balance your account if you should overdraw it.|
|Secured Consumer Loans||This type of loan is secured by a Harford Bank CD or an "A" rated marketable security.||This is an option to get extra cash without having to sell your investment.||Customers can borrow up to 90% LTV on a Harford Bank CD and 60% of the current value of stocks.|
|Unsecured Consumer Loans||Harford Bank offers an option for consumers without collateral to meet their financial needs.||The customer has the option to utilize the funds for a variety of purposes such as vacation, debt, consolidation, tuition, etc.||Flexible terms include installment, time, and demand options for repayment.|